When a medical exam is required to approve a life insurance application it is paid for by the Life Insurance company itself. Exams might be needed depending on the company and the amount applied for. Small whole-life insurance companies or what is known as Final Expense Life Insurance does not require medical exams.
At the time of an exam the medic is normally going to do five key things
- Take a small blood sample
- Take a small urine sample
- Check your blood pressure and pulse
- Check you height and weight
- Ask some health questions.
This entire process generally takes less than an hour to complete. Also depending on the insurance company and age of applicant there might be a few cognitive functioning questions. These questions may ask a senior something along the lines of;
- Draw a clock and show a certain time
- What was for breakfast yesterday?
- Who is the current President or who was the preceding President of the US was?
What are the insurance companies looking for?
The insurance companies are looking to several factors among the biggest are; cholesterol, lipids, liver enzymes, glucose, protein, HIV, creatinine, blood pressure and your build. Also they are going to check for drug use and nicotine if the application was listed as non-smoker.
Where is the exam done?
Most seniors have the exam done at their home, but it can also done at the local examiner’s office if that is better.
Tips to help with you exam
There are a few things that you can do to help get your best results with a med exam.
- Book an exam for the morning time. Your blood pressure in general is better in the morning
- Wait to have breakfast & coffee until after you exam is over. Fasting with water-only at least 8-12 hours will also help with your results. Once your exam is over you can eatJ
- Wait to exercise until after your exam is over
- Drink a glass of water an hour prior to you exam so you can give you urine sample.
- Get a good night’s rest the night before.
- Wear comfortable clothes so you can relax and easily get your vitals checked.
- Take your medication as usual
- Have you doctor’s info, medications, and driver’s license handy.
All exams are done by a certified medic. Your examiner should have his or her ID with them when they arrive and should call if running late so keep your phone handy. When your policy has issued out the insurance company will normally let you have the results of your exam. You can take those to you next doctor’s visit to review your blood panel.
Your medical exam is often helpful in getting the most competitive rates for larger coverage amount plans. If you need additions assistance or have questions contact us here.